| Financing activities | Loan products across commercial vehicles, passenger vehicles, two-wheelers, MSMEs, gold loans, and personal loans. | Strong brand, vast distribution network, specialized knowledge in pre-owned vehicle financing, and integrated auction platform. | Primarily B2C including small business operators, transporters, and retail borrowers. | Personal loans and gold loans typically yield higher margins. | 12201 | 99 | Interest income, loan fees, and commission from financing products. | Interest-based financing with competitive loan rates and flexible tenures. | Increasing demand for vehicle financing, MSME credit growth, and digital lending expansion. | Shriram Commercial Vehicle Loans, Shriram Personal Loans, Shriram Gold Loans, Shriram MSME Loans |
| Facilitation service division | Vehicle auction and asset sale facilitation services. | Largest physical and online pre-owned vehicle auction platform in India with strong industry relationships. | B2B and B2C clients including banks, NBFCs, fleet operators, and vehicle buyers. | Online and phygital auction services. | 77 | 1 | Commission and service fees from auctions and asset facilitation. | Transaction-based commission pricing. | Expansion of pre-owned vehicle market and digitization of auctions. | Shriram Automall India Ltd |
